Union County, NC: Home-Insurance Distress & Forced-Sale Pressure
Union County, NC: 87/100 (severe) home-insurance distress; Union, NC band HIGH; Union, NC #161 of 3,222 counties; Union, NC #9 of 100 in North Carolina.
FEMA hazard, Union, NC: 90/100; Union, NC declarations, three years: 8; Union, NC perils: 6 tropical-storm; Union, NC five-year count 12 (severity 19.5); Union, NC ten-year 12; hazard-weighted, Union, NC: 18.0.
Declared incidents on the Union, NC record: 2026 Winter Storm 2; 2024 Tropical Storm 6 (Union, NC).
NFIP claims, Union, NC, three years: 7; Union, NC payouts $360,097; per Union, NC claim $51,442; Union, NC claim-stress 84/100.
Union, NC monthly score rose, 85 (March 2026) to 87 (October 2026); Union, NC by month: March 85, April 85, May 84, June 84 (Union, NC), July 81, August 84, September 83, October 87.
Union, NC components: climate 88, NFIP claims 84; Union, NC retreat index 87.
Construction distress, Union, NC: 42/100 as of August 2026 (Union, NC: 52/100 one-to-four unit, 1/100 multifamily).
Union, NC ZIPs, June 2026 (Union, NC, 12 highest): score 0 (Union, NC), climate 97 (Union, NC): 28105, 28227; score 0 (Union, NC), climate 90 (Union, NC): 28079, 28104, 28108, 28110, Union, NC 28112, 28173, 28174; score 0 (Union, NC), climate 89 (Union, NC): 28103; score 0 (Union, NC), climate 88 (Union, NC): 28107; score 0 (Union, NC), climate 45 (Union, NC): 28133.
DLRadar rescores Union, NC monthly; Union, NC readings join Union, NC foreclosure, lien and ownership parcels (Union, NC), so cost-squeezed Union, NC owners surface before listing.
Inside North Carolina, Union County ranks 9th of 100 counties for home-insurance distress at 87/100; Wilkes County (88/100) sits just above Union County, and Alleghany County (87/100) sits just below Union County.
Deterministic. Every Union County, NC signal traces to a public Union dataset (FEMA, NFIP, Census for Union, NC) · how insurance distress works in Union, NC · methodology
FAQ: Union County, NC insurance distress
What is the Union County, NC home-insurance-distress score?
Union, NC: 87/100 (HIGH), #161 of 3,222, #9 in North Carolina. FEMA hazard, Union, NC: 90/100; NFIP stress, Union, NC: 84/100; construction, Union, NC: 42/100; Union, NC rescores monthly.
Is Union County insurance distress getting better or worse (NC)?
Union, NC: 85 in March 2026; Union, NC: 87 in October 2026 (worse); Union, NC climate component 88; Union, NC NFIP claims score 84.
How many flood-insurance claims has Union County, NC had?
Union, NC: 7 NFIP claims, three years; Union, NC paid $360,097; per Union, NC claim $51,442; carriers reprice Union, NC against that record.
Which Union County ZIP codes carry the most insurance distress (NC)?
Union, NC, June 2026: 28105 at 0, 28227 at 0, 28079 at 0, 28104 at 0; Union, NC climate scores there: 97, 97, 90, 90.
Why does Union, NC insurance distress create sellers?
A Union, NC premium outruns the Union, NC budget; a carrier leaves Union, NC; Union, NC carrying cost passes plan; Union, NC owners sell while current; Union, NC insurance distress leads Union, NC foreclosure data.